Flagstar Bank, N.A.

Flagstar Bank, N.A.

23.43
USD
-0.07
(-0.30%)
Jan 29Next Earn

Important Dates

Flagstar Bank, N.A. Depositary shares, each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock's next confirmed earnings release is scheduled for January 29, 2027.

Earnings Date1/29/2027

Financial Position

These figures are as of June 30, 2026.

Debt / Equity134.36

Financial Efficiency

USD

Over the twelve months ended June 30, 2026, Flagstar Bank, N.A. Depositary shares, each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock posted a return on equity (ROE) of 0.20, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 0.05, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 0.24, useful for judging operating efficiency across full business cycles. The company generates approximately 349,995.81 in revenue per employee across its workforce of 5,971.50, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)0.20
Return on Assets (ROA)0.05
Return on Capital Employed (ROCE)0.24
Revenue Per Employee349,995.81
Employee Count5,971.50

Taxes

USD

Over the twelve months ended June 30, 2026, Flagstar Bank, N.A. Depositary shares, each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock recorded 36.00M in income tax expense. That works out to an effective tax rate of 42.86, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 84.00M, leaving 48.00M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax36.00M
Effective Tax Rate42.86

Stock Price Statistics

USD

As of the close on October 23, 2026, Flagstar Bank, N.A. Depositary shares, each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock's stock has gained approximately 6.55% over the past 52 weeks. The 50-day moving average sits at 23.57, while the 200-day moving average is 22.96.

52-Week Price Change6.55%
50-Day Moving Average23.57
200-Day Moving Average22.96

Income Statement

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These figures cover the twelve months ended June 30, 2026.

Revenue2.09B
Pretax Income84.00M
Net Income48.00M

Balance Sheet

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As of June 30, 2026, Flagstar Bank, N.A. Depositary shares, each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock holds 5.11B in cash and equivalents against 10.94B in total debt, resulting in a net debt position of 5.83B.

Cash & Cash Equivalents5.11B
Total Debt10.94B
Net Debt5.83B
Equity (Book Value)7.64B

Cash Flow

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Flagstar Bank, N.A. Depositary shares, each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock produced 162.00M in operating cash flow over the twelve months ended June 30, 2026.

Operating Cash Flow162.00M
Capital Expenditures-56.00M
Free Cash Flow106.00M

Margins

These figures cover the twelve months ended June 30, 2026.

Pretax Margin4.02
Profit Margin2.30

Dividends & Yields

These figures cover the twelve months ended June 30, 2026. The dividend payout ratio of 106.67 exceeds 100%, meaning the company is distributing more than it earns and funding the dividend from cash reserves, asset sales, or borrowing, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth.

Payout Ratio106.67